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# Verico Maximum Mortgages Inc.

Helping Canadians make their dreams of home ownership come true

## Sitemaps

- [XML Sitemap](https://www.maxmort.ca/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Is Calgary the next property hot spot for foreign buyers?](https://www.maxmort.ca/uncategorized/575/) - Is Calgary the next property hot spot for foreign buyers? www.macleans.ca May 8th, 2017 From afar, Alberta real estate might soon look like a good buy Photo by: CANADIAN PRESS A few years ago, a real estate developer tapped Buss Marketing in Calgary to drum up interest in a high-rise building in that city, especially from foreign investors. The real estate
- [You have been laid off. How can your mortgage lender help?](https://www.maxmort.ca/uncategorized/you-have-been-laid-off-how-can-your-mortgage-lender-help/) - You have been laid off. How can your mortgage lender help? You have paid your mortgage without a late payment or missed payment since you moved into your home. Suddenly you are out of work. What can you do? There are a variety of options available: You can sell the house and avoid foreclosure You
- [CMHC raises insurance premiums](https://www.maxmort.ca/uncategorized/cmhc-raises-insurance-premiums/) - On March 17, 2017 CMHC will increase the premiums they charge on mortgages that need to be insured. Any mortgage with less then 20% down payment MUST be insured. The rates shown are the new rates being charged as of March 17th, 2017.
- [Mortgage Rule Change](https://www.maxmort.ca/uncategorized/mortgage-rule-change/) - The government of Canada has implemented more rule changes to mess with the already slow mortgage and real estate market. Below are the highlights of the changes. On Oct 17,2016 all insured mortgages must now qualify based on the Bank of Canada benchmark rate (currently 4.64%). The old rule allowed for qualifying at the contract
- [New down payment rules take effect February 15 2016](https://www.maxmort.ca/uncategorized/new-down-payment-rules-take-effect-february-15-2016-2/) - The Minister of Finance will implement the new down payment rules on February 15, 2016. They will affect anyone buying a home over $500,000. If you buy a new home over $500,000 you will be required to put down 10% on purchase value over the $500,000 price point. For example: If you buy a home
- [Soaring housing prices spur Canadians toward pint-sized living](https://www.maxmort.ca/uncategorized/mortgage-analyzer-news-3/) - ALEXANDRA POSADZKI TORONTO — The Canadian Press Published Sunday, Dec. 13, 2015 6:18PM ESTLNine years ago, Thelma Fayle swapped her 4,000-square-foot home in a rural area of Victoria for a house measuring only nine feet wide on the inside. Ms. Fayle had contracted a respiratory disease and was finding it exhausting to take care of her property,
- [Federal Government Increases down payment rules](https://www.maxmort.ca/uncategorized/mortgage-analyzer-news-4/) - Federal government increases minimum down payment for homes over $500,000 Terry Pedwell, The Canadian Press 12.10.2015 OTTAWA - Canadians looking to buy homes valued over $500,000 will soon be required to come up with larger down payments in a move the federal finance minister says is designed to ensure stability in Canada's biggest real estate

## Pages

- [Quick-Approval](https://www.maxmort.ca/quick-approval/) - This survey will help us evaluate your ability to qualify for a mortgage to buy your new home. We will contact you with an update as soon as we can. It will depend on your submission time. Thank you for completing the survey.
- [Quick App LP](https://www.maxmort.ca/quick-app-lp/) - Can you qualify for a new mortgage in Canada? This 10-question survey will help determine if you can qualify for your new mortgage.Once you complete the survey, we will review your answers and contact you with an update.We can then provide you with all your options on buying your new home.We usually get back to
- [Footer](https://www.maxmort.ca/footer/) - After 24 years in the Canadian mortgage business, I have written four books on the areas my clients ask me about the most. Each book is Free in a digital format, or you can order a printed copy at www.Amazon.ca. The books are designed to answer your questions and concerns. You can also contact me
- [Calculators](https://www.maxmort.ca/calculators/) - The calculators listed below will help you to understand your budget and will help in your research for your new mortgage. Please don’t hesitate to call or email us if you have any questions or concerns.
- [Teamsters](https://www.maxmort.ca/teamsters/) - The Mortgage Benefit Program For all Teamster members,staff and family members. PROGRAM BENEFITS The Mortgage Benefit Program covers the following feesLegal feesHome InspectionsAppraisal FeesLand SurveysOther miscellaneous costs. You can save up to $2000 in these cost on any new purchase or sale of a property You can save up to $400 in legal cost for
- [AUPE](https://www.maxmort.ca/aupe/) - The Mortgage Benefit Program For all AUPE members, familyand staff PROGRAM BENEFITS The Mortgage Benefit Program covers the following feesLegal feesHome InspectionsAppraisal FeesLand SurveysOther miscellaneous costs. You can save up to $2000 in these cost on any new purchase or sale of a property You can save up to $400 in legal cost for a
- [APA](https://www.maxmort.ca/apa/) - The Mortgage Benefit Program For all APA members, familyand staff PROGRAM BENEFITS The Mortgage Benefit Program covers the following feesLegal feesHome InspectionsAppraisal FeesLand SurveysOther miscellaneous costs. You can save up to $2000 in these cost on any new purchase or sale of a property You can save up to $400 in legal cost for a
- [Homepage](https://www.maxmort.ca/homepage/) - Welcome to Verico Maximum Mortgages Inc. Whether you are a First Time Home Buyer or an experienced Investor or just looking to renovate your home and pay off some bills. We can help...
- [Thank You](https://www.maxmort.ca/thank-you/) - Thank you for submitting your survey. We will evaluate your answers and be in touch shortly. We try to respond with our personal assessment within 2 to 4 hours or sooner. Please be aware that some Junk filters can treat our reply as spam, due to the word mortgage. You may have to check your
- [contact us](https://www.maxmort.ca/contact-us/)
- [APPLY ONLINE](https://www.maxmort.ca/apply-online/)
- [Online form Test](https://www.maxmort.ca/online-form-test/)
- [test](https://www.maxmort.ca/test/)
- [About](https://www.maxmort.ca/about/) - This is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you like and manage all of your content inside of WordPress.
- [Monitoring Page](https://www.maxmort.ca/monitoring-page/) - This page is used to monitor the uptime of your site. Do not delete it!
- [OUR TEAM](https://www.maxmort.ca/our-team/) - Our team consists of all licensed mortgage brokers and associates. We have years of experience and would be happy to help you with all your mortgage needs. Our relationships with our lenders allow us to get you great rates and terms for you and your family. We are here to help and look forward to
- [Learning Library](https://www.maxmort.ca/faq/) - Below is a list of some of the more common questions our clients ask us. You may have more questions or concerns and we welcome the opportunity to talk with you to discuss them. Please don't hesitate to call or email us anytime.
- [current rates](https://www.maxmort.ca/current-rates/) - Rates are subject to change without notice. Please call or email us for the latest quotes.

## structure

- [Contact Us Now!](https://www.maxmort.ca/structure/contact-us-now/) - Do you have questions please don't hesitate to contact us anytime.
- [Apply Online Now](https://www.maxmort.ca/structure/apply-online-now/) - Click the button below to apply online now.
- [Rate Quote](https://www.maxmort.ca/structure/rate-quote/) - Click the button below to view our current rates.

## books

- [fix_my_credit book](https://www.maxmort.ca/free_book/book_2/)
- [canadian book](https://www.maxmort.ca/free_book/book_1/)
- [Mortgage books](https://www.maxmort.ca/free_book/book_3/)
- [7 Insider Tips on Buying and Financing your home](https://www.maxmort.ca/free_book/7-insider-tips-on-buying-and-financing-your-home/)
- [Amazon Save Thousands](https://www.maxmort.ca/free_book/amazon-save-thousands/)
- [Amazon Home Buyers](https://www.maxmort.ca/free_book/amazon-home-buyers/)
- [Amazon Fix Credit](https://www.maxmort.ca/free_book/amazon-fix-credit/)

## testimonial

- [testimonail_1Maria Creed](https://www.maxmort.ca/testimonial/testimonail_1/) - Working with Daryl through the Mortgage Benefit program was all reward, no risk. As a first time homebuyer, he patiently answered my endless questions and got me the best rate by far (1 FULL percentage point below what the bank quoted me)!! And after all those good experiences, the real benefits show up. In the
- [Nancy DesLaurier](https://www.maxmort.ca/testimonial/maria-creed-aupe-member/) - My experience with Daryl Marsden has been an extreme pleasure right from his first response to my initial inquiry. My previous broker retired and referred me to Daryl for his "Creative" thinking. I was very pleased with his prompt response to all my questions and inquiries. Daryl did a great job for me on my
- [Testimonial 7 Tatiana](https://www.maxmort.ca/testimonial/testimonial-7-tatiana/) - Daryl, Thank you very much for all your help. You made my last condo purchase experience fun. I would love to continue using your services in the future and recommend you to all my friends.
- [testimonail_6 Erin](https://www.maxmort.ca/testimonial/testimonail_6/) - Daryl, Thank you so much for going the extra mile to ensure our house became our home. With sincere appreciation.
- [testimonial_5 Shaw](https://www.maxmort.ca/testimonial/testimonail_5/) - Hi Daryl! Thanks a million for all of your extraordinary service throughout our financing needs. Your service is way above and beyond the call of duty. ALl the best to you and wishing you continued success!
- [testimonail_4 Cooke](https://www.maxmort.ca/testimonial/testimonail_4/) - Daryl & Ian, Thank you both for all your hard work in helping us close our transaction for our new house. We are enjoying it that much more after the great interest rate you were able to secure for us. Thanks again
- [testimonail_3 Jones](https://www.maxmort.ca/testimonial/testimonail_3/) - Hello Daryl and Ian, I hope you enjoyed the holiday season. I just wanted to send you a quick e-mail to say thank you for all your hard work in getting my mortgage put together. Thank you as well for your persistence with TD bank in making it happen as quickly as possible. Thank you

## Team

- [DARYL MARSDEN](https://www.maxmort.ca/maxmort_team/john-doe-3/) - Daryl has been a mortgage broker for 24 years in Calgary, Alberta Canada. A member of the Alberta Mortgage Brokers Association A member of the Canadian Association of Accredited Mortgage Professionals. Daryl served as a Director of the Alberta Mortgage Brokers Association from 2003 to 2005. He is licensed through the Real Estate Council of

## Faq

- [How difficult is it to get a mortgage if I am Self-employed?](https://www.maxmort.ca/maxmort_faq/how-difficult-is-it-to-get-a-mortgage-if-i-am-self-employed/) - This will depend on two aspects, one is the time you have been self-employed. Normally lenders want to see 3 years of financials for your company. If you have at least two full years we can normally get you approved if everything else is in good shape. The second issue is how much down payment
- [What kind of paperwork or documentation will I need?](https://www.maxmort.ca/maxmort_faq/what-kind-of-paperwork-or-documentation-will-i-need/) - This will depend on each individuals situation but there is some standard paperwork you should have available. Here is the list: Current Employment Letter and a current pay stub Complete proof of where your down payment is coming from such as: Bank Statements, Investment Statements, Sale of old Home contract or gift letter. Proof of
- [If I get a pre-approval or approval do I have to use that lender?](https://www.maxmort.ca/maxmort_faq/if-i-get-a-pre-approval-or-approval-do-i-have-to-use-that-lender/) - No, you have a choice of whoever you want to deal with. You could get 20 approvals and still have the ability to choose whichever one you want. The broker normally only needs to get 1 or 2 approvals based on what you are looking for. We tend to know where the best rates and
- [What other costs are involved in getting a mortgage?](https://www.maxmort.ca/maxmort_faq/what-other-costs-are-involved-in-getting-a-mortgage/) - There are a few extra costs involved in getting a mortgage, they are as follows: Appraisals: Usually about $250.00 ( We pay for them at CMD) CMHC Fees: Usually around $165.00 ( We will also pay in most cases) Legal Fees: They usually range from $400.00 to $700.00 House Inspections: Start at $250.00 up to
- [How do I start the process for getting a mortgage?](https://www.maxmort.ca/maxmort_faq/how-do-i-start-the-process-for-getting-a-mortgage/) - Simply click on our Apply On-line button at the bottom of the page and you will go to our application page. Once there you can complete the application and we can start work immediately. If you like, you can also call us on our 1-866-641-5711 and talk directly to one of our staff members. You
- [How long can your guarantee the interest rate?](https://www.maxmort.ca/maxmort_faq/how-long-can-your-guarantee-the-interest-rate/) - Normally your rates can be held for 90 to 120 days. Each lender has it's own rules for this and you can check with your broker. There are a few lenders that will grant longer rate holds for new construction.
- [How long will it take to get approved or pre-approved?](https://www.maxmort.ca/maxmort_faq/how-long-will-it-take-to-get-approved-or-pre-approved/) - There are many cases of almost an instant approval. But normally it will take about 24 to 48 hours to get your approval or pre-approval. Most lenders will have a written approval within 24 hours from the time your application is submitted to them.
- [If I have bad credit can I get a mortgage?](https://www.maxmort.ca/maxmort_faq/if-i-have-bad-credit-can-i-get-a-mortgage/) - In some cases, Yes, depending on a number of points, you can qualify for a mortgage even with bad credit. Normally if you have 25% or more as a down payment or in equity you can get a mortgage regardless of your credit rating. You will pay for this privilege with an increased interest rate
- [What does it cost to use a mortgage broker?](https://www.maxmort.ca/maxmort_faq/what-does-it-cost-to-use-a-mortgage-broker/) - In almost all cases there is no fee or cost for using a mortgage broker. There are very few situations where a good broker will charge you a fee. The broker is paid a FINDERS FEE from the lender. This is how your broker makes his money. He has to insure the lender has all

## Calculator

- [Maximum Mortgage Calculator](https://www.maxmort.ca/maxmort_calculator/maximum-mortgage-calculator/) - Calculate the maximum mortgage amount you qualify for based on your income.

## Current_Rates

- [Variable Rate](https://www.maxmort.ca/maxmort_rates/12-yr/) - A floating rate, with a one time convertible option
- [10 yr](https://www.maxmort.ca/maxmort_rates/10-yr/) - Fixed term closed
- [7 yr](https://www.maxmort.ca/maxmort_rates/7-yr/) - Fixed term closed
- [5 yr](https://www.maxmort.ca/maxmort_rates/5-yr/) - Fixed term closed
- [4 yr](https://www.maxmort.ca/maxmort_rates/4-yr/) - Fixed term closed
- [3 yr](https://www.maxmort.ca/maxmort_rates/3-yr/) - Fixed term closed
- [2 yr](https://www.maxmort.ca/maxmort_rates/2-yr/) - Fixed term closed
- [1 yr](https://www.maxmort.ca/maxmort_rates/1-yr/) - Fixed term closed

## Categories

- [Uncategorized](https://www.maxmort.ca/category/uncategorized/)